{0>列明于承保表内<}0{>As stated in Policy Schedule<0}

{0>全身瘫痪(必须终身卧床或永久性丧失工作能力)<}0{>Total Paralysis (resulting in being permanently bedridden or permanent disablement from engaging in or giving attention to profession or occupation)<0}

{0>规约：本表内赔款按下列规约办理:<}0{>PROVISOES:<0}

{0>在保险有效期内，不论发生一次或多次赔偿，中国交通保险最高赔偿责任，以不超过保险金额为限。<}0{>The total liability of the Company in respect of any claim or claims accumulated shall not exceed the total amount insured.<0}

{0>表列第一项，身故必须在意外事故发生之日起12个月内造成者。<}0{>Under Item 1, Death must occur within 12 calendar months from the date of accident.<0}

{0>保户不得因遭受一次意外，而获得表列一项以上的赔款金额。<}0{>The Insured shall not be entitled to have compensation under more than one of the Items in the Schedule of Basic Benefits in respect of any one accident.<0}

{0>索偿手续<}0{>Claims Procedures<0}

{0>被保险人在保险有效期间，内发生意外伤害，须在十五天内或尽快以书面通知本公司，被保险人如意外身故，其受益人须尽快以书通知本公司。<}0{>Upon the happening of any accident during the Period of Insurance likely to give rise to a claim under this policy, the Insured shall give written notice to the Company within 15 days or as soon as practicable after the happening of such accident. In the event of the death of the Insured prompt notice shall be given to the Company by his beneficiary. <0}{0>被保险人或其受益人必须履行此一规定，才有索赔权利。<}0{>No claim shall be payable unless the provisions of this Article are fulfilled by the Insured or his beneficiary.<0}

{0>被保险人或其受益人索赔时，须向本公司提供足以证明意外伤残或身故之证据，该项提供证据之费用由被保险人(或其受益人)自己负担。<}0{>In the event of claim being made or arising from this Policy the Insured or his beneficiary shall furnish the Company with all certificates, information and evidence required by the Company at the expense of the Claimant.<0}

{0>一般不保事项    适用于各节<}0{>GENERAL EXCEPTIONS     APPLY TO ALL SECTIONS<0}

{0>凡直接或间接由于下列任何原因所引致受伤或死亡，皆不在本保单之承保范围以内，本保险单概不负责：<}0{>This policy does not cover any bodily injury or death directly or indirectly resulting from or consequent upon:<0}

{0>战争、侵略、外国敌意行为(不论宣战与否)、内战、叛变、暴动、军事力量或政变、罢工，或由于核子武器，核子游离幅射，核子燃料或其燃烧后产生的废料所致幅射能的沾染。<}0{>War, invasion act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, insurrection, military force or coup, strikes, riots or caused by or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.<0}{0>上述核子燃烧包括自发的核子分裂在内。<}0{>For the purpose of this exception combustion shall include any self-sustaining process of nuclear fission.<0}

{0>被保险人自愿招惹不必要之危险(欲拯救他人之生命者除外)、自杀、自加伤害，或因触犯刑章的不法行为。<}0{>The Insured Person willfully exposing himself to needless peril (except in an attempt to save human life) or the Insured Person committing or attempting to commit suicide or self-injury or any criminal or felonious act.<0}

{0>参与专业运动，打猎、攀山(指需要利用绳索或诱导绳为辅助工作者)、滑雪、滑水、冬季运动、潜水、参加各种竞赛、殴斗、神经错乱，或因酗酒，吸毒或滥用药物。<}0{>The Insured Person engaging in professional sports, hunting, mountaineering necessitating ropes or guides, skiing, water skiing, winter sports, diving, racing of any kind or fighting or insanity or being under influence of drugs, alcohol , intoxication and solvent abuse.<0}

{0>被保险人因本身存在的缺陷或病症，而此缺陷或病症在保单有效前已存在。<}0{>The Insured Person suffering from any pre-existing physical defect or infirmity which existed prior to inception of this policy.<0}

{0>被保险人从事高空中飞行工作(以旅客身份乘搭由航空公司或注册商业公司拥有和控制的注册航班机除外)。<}0{>The Insured Person engaging in air travel, except as a passenger in a properly licensed multi-engined aircraft being operated by a licensed commercial air carrier or owned and operated by a commercial concern.<0}

{0>中国广东省范围以外之医疗费用及紧急支持服务。<}0{>All medical expenses and emergency assistance services incurred outside the territory of Guangdong Province, P.R.C.<0}

{0>疾病、传染病或非因意外事故而引致的受伤或死亡。<}0{>Illness, infectious disease or any bodily injury or death which is not caused solely and directly by violent accidental external and visible means.<0}

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